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waggett

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how to differentiate Consumer Credit Cards with 0% interest over the term
CK seems to think that the APR for consumer credit isn't 0% if you pay on or before time during the whole term - this seriously skews the site recommendations for cards. Is it possible to make the distinction?

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this is another "feature" gone from the old version of creditkarma, where you could at least manually update the interest rates to reflect -- for example -- promotional offers that would actually save you money.

in my case, the CK website claims to offer significant  "savings" comprised (chiefly) of savings on interest, yet all balances on my cards are 0%.  the service claims to know things it doesn't--and EVEN goes as far as to reverse manual changes i had made to fix what it had gotten wrong--all in the name of hawking credit cards at consumers. 

for novice users, this is basically a scam that helps CK hawk offers to customers.  it's hard for me to think of how it doesn't represent deceptive marketing, especially in my case, where i had already corrected what creditkarma had gotten wrong in the previous iteration of its product.  perhaps something for a class action, or at least the consumer financial protection bureau or FTC to investigate?

for advanced users who used CK for daily credit score updates, it's just another example of how credit karma's useful features have disappeared--and how short-sighted management decisions have frittered away an intensely (daily!) audience that comeptitors would have killed for.  i can only guess management now sees CK competing with credit card blogs for sign-up commissions and making money by reselling voluntarily supplied info from our reports/accounts.   

i used to tell LOTS of friends about this service and visited daily because i found it so useful; now it's unclear to me what the value proposition is for users....

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